Presentation given by Brian DiGiorgio on the Panel: "After Recycling, Then Watt?" at the Great Valley Center's Sacramento Valley Forum on October 27, 2010 in Chico, CA.

4. What is the process for participation? 1. PG&E Account Representative (and Government Partnership team) help customer complete and submit Customized Retrofit Program (CRP) Application and Financing Supplement to the CRP Application. 2. Customer and project eligibility are confirmed by PG&E. 3. PG&E completes a pre-field inspection of the existing equipment at the project site, does initial calculation of loan terms and project savings and creates Loan Agreement. 4. PG&E Account Representative delivers Loan Agreement to customer. 5. Loan Agreement is signed by customer and returned to PG&E. 6. PG&E Account Representative gives customer the OK to install project. 7. Customer installs energy efficiency measures and lets PG&E know of any changes to the scope or cost. Customer informs PG&E of project completion. 8. PG&E conducts a post-field verification of the project. If the project cost, scope, rebate/incentives or energy savings have changed, PG&E completes Loan Modification Agreement for customer signature. 9. PG&E issues the loan check to the customer. 10. Customer begins receiving loan installment bill through separate invoice.

6. FAQ Can I pay the loan off early? The customer may, without prepayment penalty, pay the entire outstanding loan balance in one lump sum payment provided the customer first notifies PG&E, in accordance with the OBF Loan Agreement, and obtains PG&E’s approval in advance of making the lump sum payment. Can a loan be denied, or altered, after an initial loan agreement has been signed? Yes, if: 1) a customer’s credit rating has changed 2) the total loan amount has increased and the loan payment period falls outside the established loan term limits How is the loan repaid? Customers will be billed for loan installments through an invoice that is separate from the monthly energy statement. Following the completion of billing system modifications in Q3 2011, loans will be billed through the regular energy statement What if a customer makes a partial payment? Partial or non-payment of loans could result in shut-off of a customer’s utility service and the outstanding debt being turned over for collection, subject to the discontinuance provisions of gas and electric Rule 11 What if a customer defaults on the loan? Customers who default will be subject to discontinuance of service and will be ineligible to participate in financing programs in the future. PG&E will report defaults to the appropriate credit rating agencies